Closing costs from 13k to 17k for $380k NJ home

[Alexie Franck]

Hi All, I need another opinion/clarity about my closing costs. Home is a multifamily for $380k, conventional loan, bought 1 point and interest is 6.125. Initial closing cost estimate was $13.5k. Just received disclosure and it jumped up to o$17k. My closing costs are as much as my down payment. I thought it was to be up to 3% of home purchase price. Then the extras, ie: points. This is over. Please help. Thanks!